Most budgeting apps reach your bank through an aggregator, and the free
ones pay for that access by profiling what you spend. OpenTeller has no
middleman. You log into your bank inside the app, train it once, then
sync in one tap. Any bank, any country, credentials never leaving your
device.
In no account mode, your data sits encrypted in your own iCloud.
Categorization runs on Apple Intelligence, on-device.
You can bring your own AI. An MCP endpoint lets Claude and ChatGPT read your data
